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December 10, 2022

Axis Mutual Fund: NAV, Performance & Latest MF Schemes

AXIS mutual funds

Axis Asset Management Company Ltd., the formal name of Axis Mutual Fund, is the mutual fund investment wing of Axis Bank, the third-largest private bank in India. A 74.9% share of the AMC is held by Axis Bank, while the rest 24% is held by Schroder Singapore Holdings Private Limited.

Axis Mutual Fund launched its first scheme in October 2009.  Since then, the Axis Mutual fund has grown strongly. And the fund house attributes its success to its three founding principles – long-term wealth creation, outside-in (customer) view and long-term relationship.

Axis Mutual Fund’s vision is to responsibly manage money and risks to help people feel financially secure and confident of a brighter and wealthy future. They place a strong emphasis on risk management and planning.

They encourage their investors and partners to take a holistic view that extends beyond simple investing surpluses to investing with an underlying dream, aspiration or goal.

The fund house emphasises outside-in view and takes every single decision with the investor at heart. They believe in communicating in the investor’s language and creating wealth in the long term.

The fund house has been playing a serious and credible role in investors’ money baskets. The fund house encourages investors to build a long-term perspective of the mutual fund category.

While leveraging the equity of the Axis brand, they aim at building relationships rather than being transactional. With a well-rounded product suite that consists of more than 40 schemes, they have over 60 lakh active investor accounts and are present in over 100 cities.

The fund house has been around for nearly 11 years. The company is registered with SEBI, AMFI and other regulatory bodies.

Axis Mutual Fund is the seventh-largest mutual fund house by asset size in India. The assets under management of the schemes of Axis Mutual Fund as of March 31, 2020, was INR 116,453.92 Cr and the average assets under management for the month ended March 31, 2020, were INR 1,20,468.82 Cr.

The total number of investors’ folio count under the schemes of Axis Mutual Fund as of March 31, 2020, was 60,10,731.

As of March 31, 2020, Axis Asset Management Company Ltd. managed 49 schemes of Axis Mutual Fund, which includes an open-ended equity-linked savings scheme with 3-year lock-in (ELSS); open-ended equity schemes; an open-ended index fund; an open-ended Hybrid scheme; open-ended liquid scheme;  open-ended overnight scheme, open-ended gilt scheme; open-ended debt schemes;  open-ended Exchange Traded Funds;   open-ended funds of fund scheme;  solution-oriented schemes;   close-ended equity scheme, and close-ended debt schemes.

With an Average AUM* of over INR 1,76,008 Cr, Axis Mutual Fund has over 70 lakh active investor accounts, a presence in over 100 cities and 49 schemes including FOF. (March 31, 2020). 

Important information about Axis Mutual Fund

Name of the AMCAxis Asset Management Company Ltd
Incorporation Date13 January 2009
SponsorsAxis Bank Limited
TrusteeAxis Mutual Fund Trustee Limited
Trustees’ NameMr Bapi Munshi, Associate Director Mr Murray Coble, Associate Director Mr Radhakrishnan Nair, Independent Director Mrs Vijayalakshmi Rajaram Iyer,  Independent Director Mr G. Gopalakrishna, Independent Director Mr Uday M Chitale, Independent Director
MD/CEOMr Chandresh Kumar Nigam
COOGopal Menon
Compliance OfficerMr Darshan Kapadia
Chief Business OfficerMr  Raghav N. Iyengar
Registrar and Transfer agentKFin Technologies Private Limited, Selenium Building, Tower-B, Plot No 31 & 32 Financial District, Nanakramguda, Serilingampally,  Hyderabad, Rangareddi, Telangana, India – 500 032 Toll-Free No: 1800 425 4034/35 E-mail:
Toll-free Number 8108622211 / 1800221322
Email Addresscustomerservice@axismf.com
Registered AddressAxis House, 1st Floor, C-2, Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai – 400 025 www.axismf.com

10 top-performing Axis Mutual Fund Schemes

1. Axis Bluechip Fund (Category – Equity: Large Cap)

This is an open-ended equity scheme predominantly investing in a large-cap stock. This scheme is suitable to achieve long-term capital appreciation by investing in a diversified portfolio predominantly consisting of equity and equity-related securities of Large Cap companies including derivatives.

This scheme is suitable for those who are looking for long-term goals such as children’s education & their future, retirement or any other long-term growth that needs a wealth creation plan.

Key information

Minimum InvestmentINR 5,000      
Minimum Additional Investment INR 1,00
Minimum SIP InvestmentINR 500
Minimum WithdrawalINR 500
Exit LoadIf redeemed/switched out within 12 months from the date of allotment,- For 10 % of investments: Nil; For remaining investments: 1%; If redeemed/switched – out after 12 months from the date of allotment: NIL (w.e.f. 25th September 2017)
Return Since Inception: inception date January 5, 201012.78 % (Regular -Growth) 16.42% (Direct-Growth)
NAVINR 37.73, (Regular-Growth) (April 20, 2021) INR 41.60, (Direct-Growth) (April 20, 2021)
AUMINR 23,496.02 Cr (As on Feb 28, 2021)

2. Axis Midcap Fund (Category – Equity: Mid Cap)

This is an open-ended equity scheme predominantly investing in Mid Cap stocks. This mid-cap mutual fund invests predominantly in mid-cap companies.

Midcap companies have the potential to deliver superior returns due to the potential for faster earnings growth. But such companies are emerging companies and hence it is important to be vigilant about their business and growth prospects and hence carry risk.

Investing in this fund allows you to complement your portfolio focusing on large-cap companies. This is suitable for those looking for long-term goals such as children’s education & their future, retirement or any other long-term growth that needs a wealth creation plan.

Key information

Minimum InvestmentINR 5,000      
Minimum Additional Investment INR 1,00
Minimum SIP InvestmentINR 500
Entry LoadNil 
Exit LoadIf redeemed/switched out within 12 months from the date of allotment,- For 10 % of investments: Nil; For remaining investments: 1%; If redeemed/switched – out after 12 months from the date of allotment: NIL (w.e.f. 25th September 2017)
Return Since Inception (18 Feb 2011)18.19 % (Regular-Growth)
19.62 % (Direct-Growth)
NAVINR 37.73 (April 20, 2021)(Regular-Growth)
INR 59.59(April 20, 2021)(Direct-Growth)
AUMINR 9,757.42 Cr (As on Feb 28, 2021)

3. Axis Focused 25 Fund (Category – Equity: Focused)

This is an open-ended equity scheme investing in a maximum of 25 stocks investing in large-cap, mid-cap and small-cap companies.

The scheme invests in a concentrated portfolio of high-conviction ideas (up to 25). The focus is on companies that have the capability to sail through their business cycles without getting affected by short-term market volatility. This fund offers the benefit of higher exposure to the best ideas, and the portfolio is well-diversified across sectors to manage risk.

This is suitable for investors who prefer to go for higher returns compared to other Equity funds. In this fund, the investor should be aware of the possibility of moderate to high losses in their investments even though the overall market is performing better.

Key Information

Minimum InvestmentINR 5,000      
Minimum Additional Investment INR 1,00
Minimum SIP InvestmentINR 500
Entry LoadNil 
Exit LoadIf redeemed/switched out within 12 months from the date of allotment,- For 10 % of investments: Nil; For remaining investments: 1%; If redeemed/switched – out after 12 months from the date of allotment: NIL 
Return Since Inception (01 Jan 2013)16.45 % (Regular-Growth)
16.78 % (Direct-Growth)
NAVINR 36.77 (April 20, 2021) (Regular-Growth)

INR 40.65 (April 20, 2021) (Direct-Growth)
AUMINR 14,698.83Cr (As on Feb 28, 2021)

4. Axis Smallcap Fund (Category – Equity: Smallcap)

This is an open-ended equity scheme predominantly investing in small-cap stocks. The fund uses a bottom-up approach to investing in small caps aimed at identifying long-term businesses.

This fund is ideal for small-cap investors who can patiently invest and those willing to absorb short-term volatility. Suitable for Investors who look for an investment horizon of 5 years or more and looking for very high returns. 

Key information

Minimum InvestmentINR 5,000      
Minimum Additional Investment INR 1,00
Minimum SIP InvestmentINR 500
Entry LoadNil 
Exit LoadIf redeemed/switched out within 12 months from the date of allotment, – For 10 % of investments: Nil: For remaining investments: 1%. If redeemed/switched – out after 12 months from the date of allotment: NIL
Return Since Inception (01 Jan 2013)16.45 % (Regular-Growth)
16.78 % (Direct-Growth)
NAVINR 43.78 (April 20, 2021) (Regular-Growth)

INR 47.96 (April 20, 2021) (Direct-Growth)
AUMINR 4,165.40Cr (As on Feb 28, 2021)

5. Axis Long-Term Equity Fund (Category – Equity: ELSS)

This is an open-ended equity-linked saving scheme with a statutory lock-in of 3 years and tax benefit. The fund has a 3-year lock-in which is one of the lowest amongst other tax-saving instruments. 

The money is invested in equities and does not get perturbed by market ups and downs. Being an ELSS scheme, the scheme comes with dual advantages of building wealth and saving tax. This is suitable for investors who are looking to invest money for at least 3 years and want income tax savings besides expecting higher returns. 

Key Information

Minimum InvestmentINR 5,00      
Minimum Additional Investment INR 5,00
Minimum SIP InvestmentINR 5,00
Entry LoadNil 
Exit LoadNil
Return Since Inception17.45% (Regular-Growth) (Date of Inception: 29 Dec 2009)
19.95 % (Direct-Growth) (Date of Inception: 01 Jan 2013)

NAVINR 59.51 (April 20, 2021) (Regular-Growth)

INR 65.02 (April 20, 2021) (Direct-Growth)
AUMINR 27,216.23Cr (As on Feb 28, 2021)

6. Axis Triple Advantage Fund (Category – Hybrid: Multi-Asset Allocation)

This is an open-ended scheme investing in equity, debt and gold. It is a 3-in-1 investment option or an asset allocation fund that helps you diversify your money across three asset categories – equity, debt and gold.

It facilitates investing in gold, which is one of the most popular options amongst Indian investors. A single application is sufficient for investment in three asset classes.

Key Information

Minimum InvestmentINR 5,000      
Minimum Additional Investment INR 1,00
Minimum SIP InvestmentINR 500
Entry LoadNil 
Exit LoadIf redeemed/switched out within 12 months For 10% of investment: Nil. For remaining investment: 1%. If redeemed/switched out after 12 months from the date of allotment: Nil (w.e.f. 15th June 2015)
Return Since Inception9.30 % (Regular-Growth) (Date of Inception: 23 Aug 2010)
10.15 % (Direct-Growth) (Date of Inception: 01 Jan 2013)

NAVINR 25.44 (April 20, 2021) (Regular-Growth)

INR 27.94 (April 20, 2021) (Direct-Growth)
AUMINR 861.51Cr (As on Feb 28, 2021)

7. Axis Equity Saver Fund (Category – Hybrid: Equity Savings)

This is an open-ended scheme investing in equity, arbitrage and debt. The fund follows a multi-asset strategy so that investors avoid over-investing in one asset class and thereby reducing the overall risk and volatility.

This fund is ideal for people who want to have a balanced approach to portfolio management. As money is diversified across different asset classes, it reduces the impact of bad performance from a single asset class through performance from the other 2 asset classes.

Key information

Minimum InvestmentINR 5,000      
Minimum Additional Investment INR 1,00
Minimum SIP InvestmentINR 500
Entry LoadNil 
Exit Load  If redeemed/switched out within 12 months from the date of allotment, – For 10% of investments: NIL. For remaining investment: 1%. If redeemed/switched – out after 12 months from the date of allotment: NIL (w.e.f. 20th Aug 2015)
Return Since Inception7.72 % (Regular-Growth) (Date of Inception: 14 Aug 2015).
9.02% (Direct-Growth) (Date of Inception: (14 Aug 2015)

NAVINR 15.02 (April 20, 2021) (Regular-Growth)

INR 16.10 (April 20, 2021) (Direct-Growth)
AUMINR 711.22Cr (As on Feb 28, 2021)

8. Axis Gold Fund (Category – Commodities: Gold)

This is an open-ended fund of fund scheme investing in Axis Gold ETF. In this scheme, investors can invest in Gold ETF without the hassles of storage or concerns about quality.

It’s a low-cost holding and transparent pricing based on international gold price movements are done. One can invest in any amount subject to minimum investment requirements.

One can invest in Gold through systematic investments in as little as Rs.1,000 and no Demat account is required.

Key Information

Minimum InvestmentINR 5,000      
Minimum Additional Investment INR 1,00
Minimum SIP InvestmentINR 1,000
Entry LoadNil 
Exit Load1% is payable if units are redeemed /switched out within one year from the date of allotment
Return Since Inception3.90% (Regular-Growth) (Date of Inception: 20 Oct 2011).
3.73 % (Direct-Growth) (Date of Inception: (01 Jan 2013)

NAVINR 14.60 (April 20, 2021) (Regular-Growth)

INR 15.71 (April 20, 2021) (Direct-Growth)
AUMINR 212.49Cr (As on Feb 28, 2021)

9. Axis Gilt Fund (Category – Debt: Guilt)

This is an open-ended debt scheme investing in government securities across maturity. Axis Gilt Fund is an open-ended GILT (Government securities) fund which invests in a portfolio of government securities.

Since securities are backed by sovereign guarantees, there is no default disk. This fund is suitable for an investment horizon of 3 years or more and for those looking for the safety of their investments.

Key Information

Minimum InvestmentINR 5,000      
Minimum Additional Investment INR 1,00
Minimum SIP InvestmentINR 1000
Entry LoadNil 
Exit LoadNil w.e.f. 9th January 2013
Return Since Inception7.56 % (Regular-Growth) (Date of Inception: 23 Jan 2012).
7.88 % (Direct-Growth) (Date of Inception: (01 Jan 2013)

NAVINR 19.82 (April 20, 2021) (Regular-Growth)

INR 20.67 (April 20, 2021) (Direct-Growth)
AUMINR 177.79 Cr (As on Feb 28, 2021)

10. Axis regular saver fund (Category – Hybrid: Conservative Hybrid)

This is an open-ended hybrid scheme investing predominantly in debt instruments. This is a moderately high-risk fund suitable for an investment horizon of more than 2 years.

The investment in this fund adds stability to your portfolio by investing primarily in fixed-income instruments. The fund offers potential for capital growth through limited exposure to equity instruments.

Key Information

Minimum InvestmentINR 5,000      
Minimum Additional Investment INR 1,00
Minimum SIP InvestmentINR 1000
Entry LoadNil 
Exit LoadIf redeemed/switched out within 12 months from the date of allotment,- For 10% of investments: NIL – For remaining investment: 1%. If redeemed/switched – out after 12 months from the date of allotment: NIL
Return Since Inception7.56 % (Regular-Growth) (Date of Inception: 16 Jul 2010).
9.43 % (Direct-Growth) (Date of Inception: (04 Jan 2013)

NAVINR 22.33 (April 20, 2021) (Regular-Growth)

INR 24.71 (April 20, 2021) (Direct-Growth)
AUMINR 223.12 Cr (As on Feb 28, 2021)

How can you invest in Axis Mutual Fund via EduFund?

Investing in Axis Mutual Fund via Edufund is a simple, four-step process. 

Step 1 – Download the EduFund App from Google Play Store or Apple App Store and create an online account.

Step 2 –  Select a Scheme – Browse a wide range of Axis Mutual Fund schemes and choose the right scheme suiting your financial goals. You may invest in a Systematic Investment Plan (SIP) or a lump sum. The inbuilt recommendation engine suggests the best scheme for your financial objectives.

Step 3 – View and Track Your Transaction(s) – The amount you have invested will reflect in your EduFund account within four working days. You can track the Axis Mutual Fund NAV, account balance, statement, and other information in the app. On the other hand, you can purchase, redeem, or switch Axis Mutual Fund units.

Step 4 – Speak With a Mutual Fund Counsellor – You can connect with a mutual fund consultant to share your goals and get personalised advice. 

EduFund uses top-class authentication and encryption technologies to ensure bank-like secured transactions and safeguard your investments.  

The best-performing Fund Managers at Axis Mutual Fund

The fund manager plays an important role in driving value and generating growth of the investors’ money. The following are the 10 best-performing fund managers in Axis AMC whose funds have consistently churned out the best returns. 

1. Mr Jinesh Gopani – Head – Equity

Jinesh Gopani is the Head of Equity at Axis AMC. He joined Axis AMC in 2009 as an Equity Fund Manager and worked his way to become the Head of Equity in 2016.

He currently manages the flagship Axis Long Term Equity Fund amongst other funds. Prior to Axis AMC, Jinesh was associated with Birla Sunlife AMC as a Portfolio Manager, where he was responsible for alternative assets across the growth, value and dividend basket.

He was associated with this company from June 2008 to October 2009. He was also associated with Voyager India Capital as a Sr. Research Analyst responsible for the BFSI & Infrastructure sector and held a sectorial portfolio manager role for investments. He was with Voyager India Capital from February 2006 to May 2008.

He is an M.M.S. in Finance from Mumbai University. He has a total experience of 19 years in the capital markets, of which eight years are in equity fund management. He manages 2 all schemes (Feb28,2021).

2. Mr Shreyash Devalkar – Senior Fund Manager – Equity

Shreyash Devalkar is the Senior Fund Manager at Axis AMC. He joined the AMC in 2016 and took over the responsibility of managing important funds like Bluechip Fund, and Midcap Fund, followed by Multicap Fund in 2017.

Prior to this, he was associated with BNP Paribas AMC as a Fund Manager for more than five years. He has also worked as a Research Analyst at IDFC Asset Management Company (July 2008 to Jan 2011) and IDFC Securities (Sept 2005 to July 2008).

He is a bachelor’s in Chemical Engineering & Master’s in Management Studies. He has over 17 years of experience in capital markets. He manages two all schemes (Feb28,2021).

3. Mr Anupam Tiwari – Fund Manager – Equity

Anupam Tiwari is an Equity Fund Manager at Axis AMC. He joined Axis AMC in September 2016. Prior to that, he worked with Reliance Life Insurance & Principal PNB Asset Management as a Fund Manager. He started his career as an Equity Analyst with Reliance Capital AMC in 2005.

A Chartered Accountant, he has over 17 years of experience in capital markets. He  manages 3 allschemes (Feb28,2021).

4. Mr Ashish Naik- Fund Manager – Equity

Ashish Naik is an Equity Fund Manager at Axis AMC. He joined Axis AMC as an Equity Research Analyst in 2009, and later in June 2016, he was elevated to the post of Fund Manager. Prior to this, Ashish was associated with Goldman Sachs India Securities as a Business Analyst.

He is an MBA from XLRI, Jamshedpur and B.E. from Mumbai University. He is a certified CFA charter holder (2011 -12) and FRM (2007-08). He has over 13 years of experience, out of which over eight years of experience are as an Equity Analyst.

He covers sectors like Autos & Logistics, Cement & Building Materials, Metal, Metal Products & Mining, Agro Inputs & Chemicals, Textiles & Other Commodities at Axis Mutual Fund. He manages 8 all schemes (Feb28,2021).

5. Mr Viresh Joshi – Chief Trader & Fund Manager – Equity

Viresh has been associated with Axis Since 2009 and is the head trader for equity funds in addition to being a fund manager. He has been an active participant in round table events at major forums like FIX and TradeTech on Dealing & Trading, representing domestic buy-side investors across equity, equity derivatives and ETFs.

Viresh holds an MBA in Finance and has over 20 years of experience in the capital markets in India and overseas. He has worked with companies like BNP Paribas Securities & ICICI Securities in the past.

6. Mr Hitesh Das – Research Analyst – Equity

Hitesh has his Bachelor’s in Technology, Master’s in Technology, and Post Graduate Diploma in Management from IIM Lucknow.

He has over 9 years of experience in financial markets. His previous experience includes Barclays and Credit Suisse Securities India.

He covers Sectors like Capital Goods, Engineering & Construction, and Information Technology at Axis Mutual Fund. He manages seven schemes (Feb28,2021).

7. Mr R. Sivakumar – Head – Fixed Income

Sivakumar is the Head – Of fixed Income at Axis AMC. Siva has over two decades of experience in the Indian asset management industry working across asset classes and functions.

He joined Axis in 2009, and he was part of the startup team there. He looked after the products and portfolio management services and was responsible for leading the launch of Axis’ signature & award-winning hybrid funds.

In September 2010, he was promoted to Head – Fixed Income. He is responsible for the overall investment strategy, performance and risk management across fixed-income investments. Prior to Axis AMC, Siva was associated with Fortis Investments (formerly ABN AMRO AMC), where he held multiple positions chiefly as a Fund Manager – Fixed Income. He also led products, and in 2009, he was appointed Chief Operating Officer, becoming the youngest person in the asset management industry in that role.

Siva has also worked with Sundaram AMC as Fund Manager – Fixed Income and with Zurich India AMC as Research Analyst. He is an engineer from IIT Madras and a PGDM from IIM Ahmadabad. Siva manages 12 all schemes (Feb 28, 2021).

8. Mr Devang Shah – Deputy Head – Fixed Income

Devang Shah is the Deputy Head – Fixed Income at Axis AMC. His core responsibilities include managing top quartile performance for all funds, along with managing the client relationship. Devang joined Axis AMC in October 2012 as a Fund Manager and was promoted to Deputy Head in June 2018.

He has been actively involved in the ideation, sourcing and investment strategy for fixed-income funds. Prior to this, Devang was working with ICICI Prudential AMC as a Fund Manager from April 2008 till October 2012.

His primary responsibilities include analysing domestic fixed-income markets, providing views on the interest rate, credit environment & domestic monetary aggregates; managing portfolio and trading in Debt & Money Market Instruments; analysing various credit structures (LAS, ABS Pools, LAP) and credit exposures for the fund house.

He is a Bachelor of Commerce & Chartered Accountant. He has over 14 years of experience, out of which 5 years are in Axis AMC. He has also worked with Pricewaterhouse Coopers, Deutsche AMC & ICICI Prudential AMC.

He manages 13 all schemes as of Feb 28, 2021.

9. Mr Aditya Pagaria – Fund Manager – Fixed Income

Mr Pagaria is a Bachelor’s in Management Studies and holds a Post Graduate Diploma in Business Management from the Institute Of Technology And Management, SK Somaiya College.

Prior to joining Axis AMC, he was associated with ICICI Prudential AMC (Nov 2011-Jul 2016) as Fund Manager – Fixed Income Operations. He has over 13 years of experience and  manages 6 all schemes (Feb 28, 2021)

10. Mr Dhaval Patel – Asst. Fund Manager – Fixed Income

Prior to joining Axis Mutual Fund, Patel worked with Credit Analysis & Research Ltd. He is an  MBA (Finance) and B.E (Electronics & Communication). He has over 15 years of experience. He has two all schemes as on Feb 28, 2021.

Why should you Invest in Axis Mutual Fund? 

Axis Mutual Fund is the seventh largest mutual fund house by asset size in India.  Different fund houses have different investment approaches.

Axis Mutual Fund house is doing well because of its strategy, and today, Axis funds are quite impressive. They have been taking fundamental views by focusing on high-quality companies irrespective of situations.

And one of the fund houses that have been able to deliver outstanding returns consistently over the last few years is Axis Mutual Fund. What is impressive about the strategy of Axis funds is that they have stuck to their respective strategies through thick and thin, and this had provided them with notable performance.

With Axis Mutual Fund, investors can choose from 12 Equity schemes, 13 Debt, 6 Hybrid and 8 other Schemes.

Whatever your investment objective, you can get an Axis Mutual Fund scheme to fulfil your financial goals. The experienced fund managers at Axis Mutual Fund simplify stock market or secondary market investments easily for you.

Select EduFund for Investing in Axis Mutual Fund

EduFund makes the process of investing in Axis Mutual Fund convenient. EduFund’s experienced consultants give you customised solutions for all your financial goals.

You can start investing from a lowly INR 5,000 and grow your capital comfortably.

With EduFund, you get the following benefits:

  • Customized Research-Based Financial Plan –  EduFund’s scientific fund tracker screens over 1 lakh data points and 400 financial scenarios to recommend you the best mutual funds. 
  • Customer-Friendly Counsellors Help You Create a Financial Plan – EduFund’s counsellors are trained to handle all kinds of queries from customers. They spend as much time with you as you need and resolve all your issues to help you create a robust financial plan.
  • Invest Less, Earn More – Not only the best Indian mutual funds, but EduFund also offers you the facility to invest in US Dollar ETFs and international mutual funds.
  • Use Free Tools – EduFund offers various free tools for its customers, including College Savings Calculator, SIP calculator, etc. 
  • No Technical Expertise Required – You do not need to be an expert in finance to understand which mutual fund is the best for you. EduFund does it for you.
  • Value-Added Benefits – You may get value-added benefits like no commission, free advisory, and nil-hidden charges.
  • Secure Transactions – EduFund is RIA-registered and uses top-class 128-SSL security to enable safe transactions.
  • Special Support for Children’s Education – EduFund has a dedicated team of experts who help you fulfil your children’s educational goals. 


Which is the best Axis Mutual Fund?

Top-rated mutual funds:

Axis Bluechip Fund (Category – Equity: Large Cap)

Axis Midcap Fund (Category – Equity: Mid Cap)

Axis Focused 25 Fund (Category – Equity: Focused)

Axis Smallcap Fund (Category – Equity: Smallcap)

Axis Long-Term Equity Fund (Category – Equity: ELSS)

Is SIP better than FD?

A systematic investment plan (SIP) is a mode of investment in mutual funds. SIP, in most cases, gives the investors higher returns than FD. FD is unlikely to give inflation-beating returns, which an SIP may give the investor.   

Is SIP tax-free?  

SIP can help you save on tax. It can be one of the investment vehicles that give you high returns while helping you claim tax deductions.  

Is SIP high-risk?  

SIP is a considerably safer investment vehicle, but it also depends on which funds you invest. SIPs can have some risks attached to them, and it’s always best to talk to financial experts before choosing a fund. 

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4 essential tips on investing in your child's education

4 essential tips on investing in your child's education

Life becomes easier and more manageable with planning. A very important part of a happy and balanced life is managing your finances well. This responsibility becomes manifold if you have a family to provide for. Prioritizing the prior planning of your child’s college education can make your retirement life effortless and stress-free. Put away savings to preserve wealth. Invest money to generate more wealth. At the end of the day, gaining that fine balance between your savings, investments, and spending habits is what will secure a beautiful future for you as well as your family. Here are some pro tips on how to invest and save for your children’s college education. 1. When to start? Timing is everything. The logic is simple - the earlier you start, the more wealth you can generate and accumulate. You may begin as early as the family planning stage itself. Even if you do not have a clear sight of the stream of academics your child might pursue later in life, it does not hurt to put away money. As your child grows up, they might decide upon what line of academics they want depending on their career goals. Your savings will come in handy in reassuring your child that you are perfectly prepared to back them in realizing their dreams as there will already be a considerable amount of funds they can count on. 2. Compartmentalise your savings The habit of saving money regularly is one of the healthiest habits one can inculcate. But mastering the art of saving requires self-regulation and a sense of organization. Putting away a bulk of money indiscriminately is not the most effective way of saving. Keep track of your expenses and your income; device upon an amount you can afford to put away as savings. Make a list of all the things you need to save for - emergencies, education, health, housing, and so on. Divide your savings accordingly. The act of compartmentalizing savings can also be effective in regulating your spending habits. You can also inculcate this healthy habit in your child from an early age by encouraging them to save money from their monthly allowances. 3. Consider different investment options Investing is always an improvement upon saving because investments can generate new wealth. Thus, it is not enough to just put away money as savings; you also need to allocate funds to certain investments that suit your monetary goals. There are different kinds of investment channels you can opt for. Some of us prefer fixed or recurring deposits while others want to generate more returns and go for mutual funds. Mutual funds can be of different types depending on the factors like the amount of risk, duration, return rates, etc. The mode of payment can also vary. For example, you can go for a one-time investment or you can choose monthly SIPs. Be well aware of all kinds of investment plans available so that you can choose the best one for yourself. 4. Invest in a global education Your savings and money made from investments will be especially useful when you send your child abroad to pursue a college education. Even if you are not sure about the possibility of global education in the future, it is always advisable to remain prepared for the same. Simply saving money is not enough. Investing is a better idea and in the case of global education, it can be beneficial to invest in foreign stocks. This is because the value of the Indian currency is forecasted to fall in comparison to other stable currencies in the world. This means that the cost of living and studying abroad will be way higher than the cost of living and studying in a new city within India. Once you set your financial goals, find out about investment schemes with international equity funds from countries like the US, so that you can make money in a more stable currency. Conclusion There can be several investment goals relating to different parts of your life like yourself, your spouse, relatives, housing and accommodation, health, gadgets, and emergencies. Mixing these up will only cause chaos and distress. Hence, it is important to think separately about saving for your children’s college education and indulge in smart investments. Consult an expert advisor to get the right plan TALK TO AN EXPERT
4 W’s of Balanced Advantage Funds

4 W’s of Balanced Advantage Funds

What is a Balanced Advantage Fund? A balanced advantage fund is a fund that can invest 0-100% in the equity market or 0-100% in the debt market dynamically as per the prevailing market condition. For example - If a fund manager finds that the price of the equity market has gone up, he will tilt the portfolio more toward the debt market. Likewise, if the equity market trades at a discount, then the fund manager can tilt/shift the portfolio toward the equity market.  The valuation is the internal process of the fund. Based on valuation, the fund manager can take the call. This way, the fund manager can take the opportunity and change the asset allocation. The fund manager can go aggressive in the equity market or can also decide to play conservatively to reduce the portfolio's volatility. The aim is to minimize the portfolio's downside risk and maximize the returns.  Who should invest? Investors who are looking for long-term wealth creation. Investors who are not comfortable with the market volatility. Investors who do not want to face high volatility and looking for equity-like returns. Investors who are unsure which type of fund they should invest in, whether in the equity or debt-oriented fund. Risk-averse equity investors with an investment horizon of more than three years. Additional read: Financial mistakes to avoid Why should you invest? A balanced advantage fund is a dynamically rebalancing fund between two asset classes, i.e. equity and debt. It has the complete flexibility of rebalancing from 0-100% in both asset classes. It provides you with better risk-adjusted returns. It manages the equity market volatility and provides stability in the portfolio by diversifying the portfolio into the debt market. It offers you equity-like returns, which help your portfolio to grow at a much faster rate than debt funds and also helps you to beat inflation. Minimizes the downside risk and provides scope for growth by investing in the equity market. When should you invest? When the volatility in the equity market increases you do not want to have such high exposure to the prevailing volatility. When you want equity-like returns but do not want to face high liquidity. First-time mutual fund investor looking for long-term wealth creation. Conclusion Try to allocate some portion of your portfolio towards a balanced advantage fund if you want to reduce the portfolio's volatility. A balanced advantage fund is like a season fund. FAQs What is a Balanced Advantage Fund? A Balanced Advantage Fund can dynamically invest 0-100% in either the equity or debt market, depending on market conditions. Who should consider investing in Balanced Advantage Funds? Investors seeking long-term wealth creation, those uncomfortable with market volatility, and those unsure about equity or debt-oriented funds can benefit. Why invest in Balanced Advantage Funds? These funds offer flexible asset allocation, better risk-adjusted returns, and stability by diversifying into the debt market. They provide equity-like returns, growth potential, and risk mitigation. When is the ideal time to invest in Balanced Advantage Funds? Consider these funds when equity market volatility increases, and you want equity-like returns without excessive risk. What is the aim of Balanced Advantage Funds? The aim is to minimize portfolio downside risk, maximize returns, and adapt to market conditions, providing both stability and growth.
5 financial things to consider before child planning.

5 financial things to consider before child planning.

Both life and wallet will never be the same once you decide to have a baby. No event in your life will signify financial change quite the way this one does, from the first prenatal appointment to the day of college graduation (and beyond). 5 financial things to consider before child planning 1. Create a budget Before you start child planning, you need to have a budget in place. You and your partner may need to create a realistic budget based on your expenses and your streams of income. Once you know how much you can afford to spend, you will be able to tackle the costs easily. A new child is a new family member that needs space! So if you need extra space once the baby is born, figure out what kind of home you can afford, whether it's a slightly larger apartment, a warm cottage, or a pricey house. Will you want the latest baby things or your sister’s passed-on ones? Think about what sort of child care would you require and get candid with your expenses before you start making any purchases. Money Management Tips for Homemakers Read More 2. Costs associated with birth As new parents, you need prenatal vitamins, alternative therapies, labor and delivery alternatives, and screening tests. Give yourself enough time to change or upgrade insurance plans should you need more comprehensive coverage. Good health insurance is vital in this economy. Hospital bills, medical fees, and maternity costs can be high. According to estimates from the industry, a straightforward delivery could cost between Rs 50,000 and Rs 70,000, but a private specialty hospital could charge up to Rs 2-3 lakh. A cesarean delivery could result in a cost rise of up to Rs 4-5 lakh. Before having a kid, you should make financial arrangements for the costs associated with the delivery and child care. 3. Consider maternity leave The vast majority of Indian employees are not entitled to paid family leave. If the mother is employed, you might need to think about taking a lengthier (unpaid) maternity leave or a sabbatical for a year or two. This can be a huge financial loss for families that rely on both streams of income. Paid parental leave is not always an option. Find out if your workplace offers paid leave for new parents and if there are any policies in your favor that you can utilize. Determine the number of weeks covered and the proportion of your salary that is used. Do you have to use your sick and vacation days first? If you don't have access to paid time off or you're going to take more unpaid time off, you might want to cut costs or rely on your savings. 4. Purchase life and health insurance You'll want your child to be stable financially if something were to happen to you or your partner. A life insurance policy can assist in paying for things like child care, housekeeping, cooking, and more. Purchasing maternity insurance is the first action you can take to cover maternity costs. When purchasing health insurance, (even for a couple), it is important to confirm that the policy includes coverage for maternity costs and, if applicable, any applicable waiting periods. Additionally, by paying a larger rate, you might add pregnancy coverage to a current insurance policy. Buying health insurance is most important when considering having a child. Get your health covered in your plan so that you are not financially burdened in case of a health emergency. 5. Plan for the child’s education Just like the prices of lemons and oranges are growing, the cost of education is skyrocketing. Saving for your child’s college is a necessity. When it comes to saving money for college, time and compound interest are your best friends. Even while inflation is an unavoidable fact, keep in mind that education inflation is far higher. Utilizing the force of compounding is one approach to combat this, but it will only be effective if you have a long-term strategy in place. You indeed have no idea what career path your child will take, but you still need to put aside a portion of capital that can be utilized when the time comes. Right now, you need to think about the type of education you would like to offer because the practical costs of studying engineering in India vs. the US would be very different. From giving birth to seeing them off to college, watching your child grow and thrive is every parent’s dream! So give those dreams wings by planning ahead and investing for their bright future!  TALK TO AN EXPERT
5 investment plans every parent should have

5 investment plans every parent should have

As parents, we have a profound responsibility to ensure a bright and secure future for our children. While providing love, care, and education are crucial aspects, financial planning plays a pivotal role in setting the stage for their success. Investing wisely is key to securing their future aspirations and safeguarding against unforeseen circumstances. Let's explore five essential investment plans that every parent should consider, ranging from mutual funds and US ETFs to US stocks and insurance. So, we will dive in and discover the strategies that can pave the way for your child's financial well-being. Education Fund: The Power of Mutual Funds One of the most crucial investments you can make as a parent is in your children's education. Start by setting up an education fund that specifically caters to their academic pursuits. Consider tax-efficient options like a 529 plan, which allows you to invest in a variety of mutual funds, ensuring growth potential while enjoying tax benefits. Platforms like EduFund (www.edufund.in) offer valuable guidance and tools to help you plan and manage your child's education fund effectively. investment plans US ETFs: Diversification Made Easy 1. Exchange Traded Funds Exchange-Traded Funds (ETFs) have gained significant popularity in recent years due to their flexibility and global exposure. Just like mutual funds, ETFs represent a basket of securities, including stocks, bonds, commodities, or a combination thereof. However, unlike mutual funds, ETFs are traded on stock exchanges throughout the trading day at market prices. ETFs offer several benefits, including transparency, liquidity, and cost-effectiveness. Parents can buy and sell ETFs at any time during market hours, allowing for more flexibility in managing their investments. Additionally, ETFs disclose their holdings daily, ensuring transparency in the investment portfolio. With generally lower expense ratios compared to mutual funds, ETFs offer a cost-effective investment option for parents. 2. USA Stocks For parents who are comfortable with taking on more active roles in their investment journey, investing in individual stocks can be an exciting avenue. Owning shares of well-established companies can offer substantial returns over time. While investing in individual stocks requires careful research and monitoring, it can provide the potential for higher growth compared to mutual funds or ETFs. EduFund's resources can assist you in understanding stock investing basics and identifying companies with strong fundamentals. To mitigate risk, parents can consider diversifying their stock portfolios across different sectors and industries. This diversification helps reduce the impact of a single stock's performance on the overall portfolio. In addition, parents should adopt a long-term investment mindset and focus on the fundamentals of the companies they invest in rather than short-term market fluctuations. Investment Tips for Dad's in India Read More Insurance - Protecting Your Family's Future Insurance is a pivotal component of any comprehensive financial plan, especially for parents. Life insurance provides financial protection to your family in the event of your untimely demise. It ensures that your children's education, living expenses, and future aspirations are secure, even in your absence. Term life insurance offers coverage for a specified period, providing a higher coverage amount at an affordable premium. Additionally, health insurance safeguards against unexpected medical expenses, offering peace of mind during uncertain times. By securing adequate insurance coverage, parents can safeguard their family's financial well-being and ensure a secure future. Investment Tips for Mom's in India Read More Mutual Funds - Diversify and Grow Your Wealth Mutual funds are an excellent choice for parents seeking diversification in their investment portfolios. These funds pool money from several investors to invest in a variety of asset classes, including stocks, bonds, and money market instruments. Managed by professional fund managers, mutual funds allow parents to benefit from their expertise and experience in making investment decisions. By spreading investments across different sectors and markets, mutual funds help reduce the risk associated with investing in individual stocks. Parents can choose from many types of mutual funds on the basis of their risk appetite and financial goals. For those seeking stability, bond funds can offer a regular income with lower volatility. On the other hand, equity funds offer an opportunity for capital appreciation through investments in stocks. Balanced funds offer a blend of both equity and bond investments, providing a balanced risk-return profile. By investing in mutual funds, parents can access professional investment management and enjoy the benefits of diversification. You can lay a strong foundation for your family's future by incorporating these investment plans into your financial strategy. Remember that investment decisions should align with your risk tolerance, financial goals, and time horizon. It's always suggested as advice to seek guidance from financial advisors who can provide personalized advice based on your specific circumstances. Conclusion  Investing wisely is an integral part of parental responsibility. By incorporating these five investment plans into your financial strategy, you can take proactive steps toward securing your child's future while also protecting your own financial well-being. Remember to conduct thorough research, seek professional advice, and regularly review your investment portfolio to adapt to changing circumstances. By combining long-term vision with disciplined investment practices, you can build a strong financial foundation for your children, allowing them to chase their dreams with confidence. Start planning today and pave the way for a prosperous future for your family. Consult an Expert Advisor
5 reasons why SIP is the best investment choice?

5 reasons why SIP is the best investment choice?

A systematic investment plan or SIP is the best plan that helps you invest in mutual funds on a regular basis.  You can choose to invest weekly, monthly or even quarterly – the most popular choice being monthly. There are multiple reasons why SIPs are the best way to grow your money especially when you have a goal to plan – e.g. your child’s education. SIPs can be bought easily and you can start with a very low amount - Rs. 500 per month. In this blog, we will talk about the ‘Big 5 advantages’ that SIPs offer to you as a parent. But before that, let's understand what a SIP is What is SIP? A SIP or systematic investment plan is an investment mode through which an investor can create a regular mechanism of investment for themselves. Let's take the example of investor X. Investor X wishes to invest Rs. 10,000 every month in a mutual fund. In this case, investor X can create a SIP for a fund they want to invest in and the money will be deducted every month automatically (the deduction can be weekly, monthly, or even quarterly, depending on the investor's choice). Think of it as a recurring deposit, with better returns. Now that we know what a SIP is, let's get to know why investing via SIP is the best choice you can make to enlarge your corpus. CALCULATE MONTHLY SIP 5 Reasons SIP is the best These are the 5 main reasons why you should invest via a systematic investment plan to reach your financial goals 1. Suitable for Long-Term Investment Any financial advisor will tell you that if you want to invest long-term, SIP is the way to go. The reason is simple, regular investing and automatic deductions keep investors motivated to stay invested and reach their investment goals quicker. During the 2008 financial recession, many people withdrew money from mutual funds. However, the ones that remained invested via SIP, attained a huge profit once the markets rose. Long-term investing makes sure that even if the market is down at the moment, once the markets rise, the investor will make profits. 2. Goal-planning ‍SIPs are good tools to plan for a future goal – to buy a 4-wheeler or to pay for college tuition fees maybe 10-15 years from now. When you determine the amount required to achieve your goal, you will know how much you should invest and how long it will take to reach your goal. This will help in planning effectively. Having financial goals is very important to creating a financially secure future. One must have a defined idea about what financial goal one wants to reach by the age of 30, 40, 50, and so on. 3. Effect of Compounding Compounding is one of the biggest advantages of a SIP. Over time your investments grow because you start earning returns not on your principal amount, but on the interest that keeps getting added to it. Let's take an example. Suppose you invest Rs.1,000 in a mutual fund that gives you a yearly return of 10% p.a. Your amount becomes 1,100. at the end of the first year. At the end of the second year, the rate of return is 11%, this time the returns will be calculated on Rs. 1,100 and not the principal amount, which is, Rs. 1,000. ‍This ensures the growth of your corpus and is one of the reasons why experts advise you to not withdraw your investments when the market is down. 4. Curated by Experts With the increasing number of fund types like equity, debt, mixed, gold-based, etc. there is a wide variety to choose from based on your risk appetite and preferred investment duration. This has led to customized offerings based on individual needs, supervised by experts in the SIP domain. All you need is to specify your goal and timeline and you are provided with the best possible funds that can meet your future goals. ‍SIPs have become popular over the past few years, because of the ease of investing and the flexibility provided in terms of the amount of money that can be invested. You can stay invested as long as you want, although average returns have been higher when invested in the long term. Research also shows that the returns offered by SIPs are more than recurring deposits in banks, in the long term. 5. Automates Your Investment Experience SIPs automate your investment experience, which makes you a regular investor. It is easy and convenient and because of the online surge, today, it is super easy to invest via SIP. If you choose the lump sum method, you will have to manually invest an amount and there may be times when you can miss an installment. ‍With automated installments and a streamlined process, investing via SIP has now become an extremely popular method, to reach long-term goals like saving up for your child's education. FAQs Why is SIP investment good? By investing through SIPs, you will do away with the burden of timing the market as you could then avail the benefit of Rupee Cost Averaging. By investing through SIP, you will tend to invest in the up and down markets. This helps you shy away from the volatility of the market. Additionally, you will benefit from the power of compounding, which fundamentally generates returns not only on capital but also on returns. Is SIP good for students? Investing in SIP can be a huge benefit for students. It cultivates a healthy investment habit, and they can invest a small amount to start their journey. SIP is best for beginners and a comparatively safe investment vehicle. What are the features of SIP? A SIP offers the following features: It is best for long-term investment, brings financial discipline, allows small investment amounts, benefits from the power of compounding, and is a comparatively safer investment tool. Why do people prefer SIP? A systematic investment plan helps bring discipline to an individual’s investment habits. A SIP will automatically deduct a pre-decided amount periodically. Investors also do not need to worry about timing the market while investing via SIP. It is one of the best investment vehicles for beginners. Consult an expert advisor to get the right plan TALK TO AN EXPERT
5 tips to know before investing in US stocks

5 tips to know before investing in US stocks

If you want to invest in the US stock market to benefit from US stocks, you may start by opening an international trading account in India. But before investing in US equities, here are the 5 important things to know before investing in US stocks. 1. Regulatory framework One of the oldest, most effective, transparent, and well-regulated stock markets in the world is the one in the United States. On US stock markets are listed some of the largest businesses in terms of market capitalization, sales, and profitability. The worldwide exposure and flavor that US markets offer are crucial since many of these listed firms have a significant global presence, scale, and operational structure. The regulatory body that monitors the operation of the US stock markets is the Securities and Exchange Commission (SEC), which was founded in 1934. It guarantees the strict application of laws and rules that establish the highest standards of openness and integrity—essential for stock markets as well as for the safety and trust of investors. 2. Impact of Foreign Exchange  The volatility in the value of the US and other currencies should be taken into account while investing in US equities. This is because before any gain (or loss) for an Indian investment is realized, it would be converted using the appropriate exchange rate in the Indian rupee. The gains (or losses) will fluctuate in lockstep with changes in the exchange rate. An Indian investor must be aware that the exchange rate can be unpredictable and is influenced by a wide range of political, economic, and supply and demand variables. 3. Liberalized Remittance Scheme According to the Reserve Bank of India's Liberalized Remittance Scheme, an individual may invest up to $ 250000 per year in US equities from India (LRS). The cap covers any money sent abroad for purchases, travel, education, or other international transactions during the year. The investor's brokerage account has to be filled before making any investments in US equities. Investors must complete Form A-2, which is available from RBI-authorized dealers. Any sum over the $250000 cap requires RBI approval. Additional read: US stocks for investing in child education 4. Taxation To make your efforts worthwhile, it is crucial to take into account the tax consequences of your international assets. Due to the Double Tax Avoidance Agreement (DTAA) between the US and India, the same income cannot be taxed twice on investments made in the US stock market. 5. Dividend tax The dividends from US stocks are taxed at a fixed rate of 30% for overseas investors. However, as a result of the tax agreement between the US and India, citizens of India pay a 25% tax rate (deducted before distribution). However, because of the double tax avoidance agreement between the US and India, the tax paid in the US may be claimed as a foreign tax credit in your domestic filing. 6. Capital gains tax Your assets in the US are not subject to capital gains tax. However, India requires you to pay tax on your overseas capital gains. This may be divided into two groups.: Long-term capital gain (LTCG)If you keep the equities for more than 24 months before realizing capital gains, you will be subject to indexation advantages and a 20% tax rate in addition to any relevant fees and other surcharges. Short-term capital gain (STCG)Standard income-tax regulations apply to any gains from assets held for less than 24 months, and they are added to your ordinary taxable income. You must also take into account the recently implemented Tax Credited at Source or TCS. Under the new regulations, a 5% TCS will be applied to all international transfers over INR 7 Lakhs in a fiscal year. It is not an additional expenditure to deduct this advance tax when submitting your taxes each year. Charges on US stock-broking account  Using an Indian stock brokerage account to invest in the US stock market is prohibited. You would need to create one with a US stock brokerage company instead. To provide this service, the majority of Indian stock brokers who allow you to invest in US equities typically collaborate with a US stockbroker. You would also be required to pay certain fees for a US stock broking account, just like you would for an Indian trading account. This is something you should also take into consideration when you buy US stocks because these fees can reduce your earnings. These fees include Annual Maintenance Costs, brokerage charges, bank charges, transaction charges, and more. Invest in the US stocks with EduFund  Download the EduFund app and create an account to start investing in US stocks. With zero charges and no hassle account opening process from the comfort of your home, you can start investing in FAANG stocks in your portfolio to geographically diversify your portfolio!! Thus, investing in US firms and equities may give investors access to the worldwide market, credibility, and an opportunity to increase their wealth. Consult an expert advisor to get the right plan TALK TO AN EXPERT
5 top investments for risk-averse investors

5 top investments for risk-averse investors

All investments are associated with risks. Yet, the risk is not uniform, and it's essential to be aware of the different levels of risks linked with all types of investment instruments. This is why the first thing to consider before investing is how much of a risk appetite has – how much risk one is willing to take. Want to know the best investment options for risk-averse investors but still generate good returns? Continue reading this article to know more! What is risk averse? Risk-averse refers to an investor who chooses to preserve the capital over and above its potential to generate returns that are higher than the average. Risk can refer to many factors – volatility, currency, market, credit rating, etc. Risk-averse can also refer to a conservative investor. Low risk symbolizes stability in investments. A low-risk investment generates guaranteed reasonable returns, if not outstanding, above benchmark returns. But chances are near zero that the principal investment amount will be lost. Whereas a high-risk investment option may gain or lose money over time. Risk-averse investors are unwilling to accept market volatility. They prefer their investments to be highly liquid - readily available to be withdrawn. Such investors usually include old investors or retired individuals who depend on their savings for their daily expenses. Start Investing in Mutual Funds Is FD a good option for risk-averse investors? One should constantly adjust their returns against the current inflation rate. The current Fixed Deposit interest rates are 5-7% p.a. on average. But the current inflation rates are around 6-8% p.a. Give these figures a thought. The price you pay for your everyday goods and services is rising at 6-8%, whereas your FD investments are growing at only 5-7%. FDs do not increase the value of your money over time. In fact, you actually lose money or its purchasing power over time. Do you think FDs are the safest investment option? Banks defaulting on payments is rare but definitely possible. The Deposit Insurance and Credit Guarantee Corporation (DICGC) guarantees Rs. 5 lakhs per person per bank if the bank defaults. Let's not forget the liquidity part of this instrument. Fixed deposits can have a lock-in ranging from 3-5 years. Banks penalize the investors for withdrawing money before the lock-in is over. This penalty is in the form of a reduction of interest rate by a certain percentage. Download App and Start Saving for Child Education What are the best investment options for risk-averse investors? The market is filled with many investment options for investors with varying risk appetites. Let's look at some of the best investment options for risk-averse investors: 1. Short-term bond fund The best alternative for investors who do not want exposure to FDs or volatile instruments. Short-term bond funds – bond funds with low maturity and a high potential to offer better returns. Debt Funds with longer maturity are subjected to interest rate risk. But short-term bonds have a lower interest rate risk as their maturity period is much lower. 2. Municipal and Corporate Bonds State and local governments and companies usually raise money by issuing bonds to the public. Bonds offer lower risk than stocks. When a company is winding up, the bondholders are given first preference in the payment and settlement order. 3. Other debt funds Other debt funds include banking and PSU Funds, ultra-short duration funds, Dynamic Bonds, etc. You could always invest a lump sum in these debt-based mutual funds and opt for a Systematic Withdrawal Plan (SWP). This would ensure that along with the returns being generated on your investments, you would also get a monthly income from these investments. This investment option is one of the best options for older people who want a monthly income. 4. Liquid funds Invest in top-rated liquid funds to avoid loss of capital with a higher degree of safety for your primary investment. Also, when the market moves up, your investment performs better and generates higher returns in line with the market. 5. Dividend growth stocks Stocks are not as safe as cash, savings, or other debt-based instruments. But they are safer than options and futures. Dividend-paying stocks are considered safer than high-growth ones as they minimize volatility, if not eliminate it. You don't depend on the value of the stock as you get a dividend as a regular income on your investment. Apart from debt-based investments, you could also apply a staggered investment approach in equity-based mutual funds for a long-time horizon. A periodically rebalanced portfolio helps you minimize your portfolio volatility and ensures efficient capture of up-market and down-market movements even with equity exposure.  Take the help of an Investment Advisor who will guide you through goal-based planning and help you choose the investments that are most suitable to your goals and objectives and your risk appetite. FAQsWhat type of investments do risk-averse investors prefer?  Risk-averse investors typically prefer conservative investments with lower volatility and more predictable returns. These may include government bonds, high-quality corporate bonds, certificates of deposit (CDs), and stable dividend-paying stocks. These options aim to preserve capital while providing modest growth, aligning with the risk tolerance of such investors.   What are 3 high-risk investments?  Three high-risk investments include investing in individual stocks of volatile and speculative companies, trading in cryptocurrencies known for their price volatility, and investing in startups or early-stage ventures that have higher failure rates. These investments offer the potential for significant returns but also carry a substantial risk of loss.   Which investment is the riskiest for investors?  Investing in highly speculative and unproven assets like cryptocurrencies, especially in lesser-known or new coins, can be among the riskiest options for investors. The volatile nature of these assets can lead to substantial financial losses due to sudden price fluctuations and lack of regulation.   Which investment has the highest return without risk?  No investment offers guaranteed high returns without any risk. Investments with potentially higher returns often come with varying degrees of risk. While some low-risk options like government bonds or savings accounts provide stability, they usually offer lower returns. Diversification and a clear understanding of risk are important for any investment strategy.  TALK TO AN EXPERT
5 types of mutual funds

5 types of mutual funds

Investing in mutual funds for your child’s education is always advisable. First of all, it is a less stressful option than investing in direct equity stocks because that requires you to have in-depth knowledge of market trends and fluctuations. Secondly, with mutual funds, there are a variety of schemes you can opt for depending on a range of factors. These factors could include the time period for which you can invest before liquidating, the amount of money you can invest, the amount you require to secure the education fund, the level of risk you can take, and so on.  When it comes to building an education fund, here are the top 5 types of mutual funds you can choose from. 1. Large-cap mutual funds The defining characteristic of large-cap equity funds is the fact that these funds invest in the top 100 Indian companies that have the highest market value. Large-cap mutual funds can bring in impressive returns if you remain invested for a long period. If you are a person who wants to avoid taking very high risks with your investments and has decided to invest early for your child’s education, this is the way to go. The average returns rate has historically beaten that of Fixed Deposits and similar investment alternatives. SIP Mutual Fund Investment Read More 2. Mid-cap mutual funds Mid-cap funds invest in Indian companies that come in the next best 250 in terms of market value. These funds are for you if you are ready to take on a higher level of risk. Justifiably, the return rates also tend to get higher. One way to satiate the risk appetite of mid-cap equity funds is to let them season for at least 7-10 years. If your child is in primary or middle school, investing in such a scheme will generate a wholesome amount of wealth by the time they are ready to pursue a college education.   How to track Mutual Funds? Read More 3. Equity-linked saving schemes  Among the various perks of investing in mutual funds is the tax deduction benefit. Equity Linked Saving Schemes are devoted to enabling investors to save taxes, as the name also indicates.  The only catch here is that it has a compulsory lock-in period of at least 3 years. The aim here is to keep you invested longer to counter the risk level. If you can spare that amount of time, then ELSS is definitely a go-to. An added benefit is the historically high level of returns.   Mutual Funds to invest in Child Education Read More 4. Low-risk options  There is this whole myth surrounding mutual funds that they only come with a high-risk factor. On the contrary, a debt fund is also a kind of mutual fund that comes with low risk, so much so that it remains undisturbed by market fluctuations.  Debt funds are still a better option than Fixed Deposits because they can generate a higher percentage of returns. So, if you are not in favor of taking high risks, debt funds are a go-to.  5. Hybrid mutual funds  If you are confused about your investment options or even hesitant about risking too much, the answer to your problems is a hybrid mutual fund. This kind of fund is a mixture of equity as well as debt.  Hybrid mutual funds bring in the best of both worlds. They tend to generate good returns at low risk. FAQs What are the different types of mutual funds? Large-cap mutual funds Mid-cap mutual funds Equity-linked saving schemes Low-risk options Hybrid mutual funds Which type of MF is best? The best type of mutual fund is the Hybrid mutual fund. Which MF gives the highest return? Equity-linked mutual funds are considered the mutual funds with the highest returns. Conclusion There will be miscellaneous financial goals you will be required to set if you are a family person. One among these might be to straighten up the roadmap to your child’s academic and career aspirations. The first step is calculating your expected expenses with the help of an education cost calculator. The calculator will help you draw your investment map to fulfill your child's aspirations. The earlier you invest, the more prepared you will be to make critical decisions as the moment arrives. DisclaimerMutual funds are subject to market risks. The previous performance of a fund is no guarantee of future success. Please reach out to an expert to know more about the schemes before investing.